The purpose of this job is:
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To research and analyze credit risk for SEG and SME cases through existing due diligence processes, external agency support and in conjunction with the sales staff and risk team
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To assess credit history and approve/ deny extension of credit to potential commercial customers
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To keep the house keeping under control i.e. timely renewals, tracking of DPDs (for the assigned portfolio)
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To prepare proposals for approved cases and work in collaboration with sales and risk teams to ensure sanction limits and enable quick TATs
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To develop and maintain positive business relationships with dealers, commercial customers and sales staff.
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To render appropriate credit decisions for more complex commercial financing requests.
To assist less experienced Credit Analysis team members with SEG & SME on credit policy issues and commercial underwriting negotiations
